That would depend on upload speed on the line, if its 25KB/s then yes.
EDIT: Typically using over 75% your upload speed is far too much, but I find that over 60% and I can notice it in general web surfing

1) As long as you dont use one of those programs (where you have to log in, and it has its own browser) you'll be fine. Unless of course she askes the internet company " Gimme all the sites 'ive' visited!!" But even then i HIGHLY doubt they even keep the records.